Esusu is a platform designed to facilitate collective savings as a method to improve savings habits, increase access to capital, and help individuals build credit. Today in the United States alone, approximately 106 million people are still 'unbanked'. Saving is hard for anyone, and even more so for those without access to financial institutions. Esusu allows users to form groups (of people they already know) in which they collectively save money and pay the collective sum to a different user each pay period. Esusu is based on the historical concept of 'susu' savings groups in Ghana, but susu is only one of the many names for Rotational Savings and Credit Associations (ROSCA), or informal savings clubs. Through history almost every civilization established some form of these savings groups and this practice still exists in the 21st century. At Esusu we are integrating this practice into today's technology to make it even more accessible and impactful.